Small to Medium-sized Business

We understand that small business has always experienced problems in obtaining financing. That’s why lending programs have been developed that represent another borrowing option for small business in conjunction with traditional lenders.

Loans are available up to $250,000
Whether you’re an established company ready to take the “next step” or an entrepreneur with a great idea who needs seed money to make your concept flourish, we have a variety of lending programs that can help.
Loans can be used for start-up, purchasing, expanding, inventory, leasehold improvements or working capital.

Our Lending Criteria
Loan approval is strongly based on profitability and job creation. We consider the strength of the Business Plan and ability to repay the loan. Adequate security includes business and/or personal assets and often a personal guarantee from principal owners.

Meet Our Friendly Staff
Meet with one of CFDCCK’s coordinators to review your business financing proposal and discuss your needs and goals. Because we are community based, we can also inform you of other sources for information, research and services that could benefit your business.

To Prepare a Business Plan, provide us with an overall picture of:

  • Who your company is and how it is structured
  • What it is you want to do
  • When and how you will meet your goals
  • Where you are going with your goals
  • Where you are going with your business
  • Why you are seeking financing
  • How the investor or lender can help you reach your goals

Flexible Repayment Terms
Clients can arrange flexible repayment terms or customized payment schedules to meet seasonal fluctuation in cash flow.

Interest Rates, Terms & Fees
The term of the loan is negotiable.

  • CFDCCK offers competitive interest rates.
  • Loan application fees apply to all loan applications.
  • Legal and registration fees apply to all approved loans.
  • Loans are individually life insured annually for the term of the loan.
  • Life insurance for duration of loan

SELF-ESTEEM AND CONFIDENCE
If your employees demonstrate confidence, your customers will be more at ease when doing business with you.

ADAPTABILITY
A constantly evolving business environment means that you should hire employees who can turn change into opportunity.

 

HONESTY, INTEGRITY, AND PERSONAL ETHICS
In a complex and demanding business world, small businesses have to build a culture that fosters client trust.

DIVERSITY
Small business today recognizes and respects people’s diversity and individual experiences. The more diverse your employees, the broader range of skills you build.

 
How to Apply:
Prepare a business plan and set up a meeting with a business counselor.
Fill out our
"Inquire About a Program"
form online and begin the path to successful business creation.

HOT SKILLS THAT DRIVE SMALL BUSINESS PRODUCTIVITY

CUSTOMER FOCUS
At the top of the list is customer focus. In today’s crowded market, where you sometimes have to shout to be heard, your employees need to be able to listen and understand customers and respond to their needs.

COMMUNICATIONS
Fundamental to your small business success is how well your employees communicate with one another and your customers. At the core of this skill is the ability to listen, speak clearly and ultimately get the task done.

TEAM WORK
Employees need to be able to understand and contribute to your organization’s overall goals. This means understanding your culture, planning and making decisions with others, and respecting the opinions of team members.

CRITICAL THINKING
In a competitive business world where clients make major demands, your employees need to be able to assess problematic or critical situations, react quickly and find ways to resolve problems. Results-driven people are key here.